Transaction Services
Insurance Due Diligence for M&A and Private Equity
Independent review of a target’s insurance and risk profile, delivered on your deal timeline. We identify the exposures, gaps, and cost drivers that affect valuation, indemnity negotiation, and day one readiness.
1979
Founded
49
States Licensed
#1
Largest Independant Agency in Oregon
90+
Insurance Professionals
Support across the full deal lifecycle
Whether you are diligencing a single add-on or standardizing risk across a portfolio, we work as an extension of your deal team rather than a vendor waiting on a data request.
Insurance Due Diligence (Pre-Close)
A structured review of the target’s existing program, loss history, and contractual risk obligations, sized to your diligence window.
- Coverage adequacy and gap analysis by line
- Five year loss run and claims trend review
- Limits benchmarking against comparable operations
- Contractual risk transfer and indemnity exposure
- Pro forma premium modeling for the go forward program
Portfolio Company Program Reviews
Recurring evaluation across holdings to surface duplicate spend, uneven limits, and coverage that has drifted from the operating reality.
- Portfolio wide coverage and spend benchmarking
- Master program and aggregation opportunities
- Carrier consolidation and leverage assessment
- Claims advocacy and reserve studies
- Standardized annual reporting to the fund
Reps & Warranties and Transaction Liability
Access to the transaction liability market, with candid guidance on when these products earn their cost and when they do not.
- Representations and warranties insurance placement
- Tax liability and contingent liability solutions
- Retention, exclusion, and underwriting call coordination
- Alignment of policy terms with the purchase agreement
- Timeline management against signing and closing
Post-Close Placement and Integration
Execution after the deal signs, so coverage is bound, certificates are issued, and nothing lapses at the transition.
- Day one program design and binding
- Run off and tail coverage for legacy exposures
- Workers’ compensation and experience mod strategy
- Surety capacity transition for contractor targets
- Employee benefits and open enrollment continuity
A defined process built around your timeline
Most reviews are scoped in a single call and returned inside the diligence window. Complex or multi entity targets may require additional time, which we confirm before we begin.
Scope and NDA
We confirm deal size, industry, entity structure, and delivery date, then execute your NDA or ours.
Document Request
A short, prioritized request list covering policies, loss runs, schedules, and key contracts.
Analysis and Findings
Line by line review with exposures ranked by financial materiality, not by page order.
Report and Debrief
A written findings memo plus a working session with your deal team to walk the recommendations.
What you receive
- Executive summary with findings ranked by financial impact
- Coverage matrix comparing current program to recommended structure
- Identified gaps, exclusions, and uninsured exposures
- Loss history analysis with frequency and severity trends
- Pro forma premium estimate for the post-close program
- Contractual risk transfer review of material agreements
- Prioritized remediation list for the first 90 days
Independent by design
LaPorte has been independently owned since 1979. We are not owned by a carrier, a broker roll up, or a private equity platform, so our findings reflect what the analysis supports rather than a placement quota.
We will tell you when a target’s existing program is sound and when a coverage recommendation is not worth its cost. That candor is the point of engaging an outside reviewer.
Deal experience grounded in operating businesses
Middle market focus
We work daily with the kind of companies that populate lower middle market portfolios: contractors, manufacturers, transportation fleets, agribusiness, and professional services.
Full in-house capability
Commercial property and casualty, employee benefits, workers’ compensation, surety, and claims advocacy sit under one roof, so the review covers the whole risk picture.
Surety depth
For construction and infrastructure targets, bonding capacity is often the deal issue. Our surety team evaluates whether capacity survives the change of control.
National reach
Licensed in 49 states (all except New York) with access to regional and national carriers, which matters when a target operates well beyond the Pacific Northwest.
Continuity after close
The same team that ran diligence can place and service the go forward program, so nothing is lost in a handoff at the worst possible moment.
Responsive to deal pace
Diligence windows do not move. We staff engagements to hit the date you give us and flag scope risk early rather than late.
Frequently asked
How quickly can you turn around a review?
Turnaround depends on target complexity and document availability. We confirm a delivery date during scoping and tell you up front if the timeline you need is not realistic for the entity structure involved.
Do we have to move the account to LaPorte afterward?
No. Diligence engagements stand on their own. If you want us to place the go forward program we are glad to compete for it, but the review is not conditioned on it.
What documents do you need to start?
At minimum, current policy declarations and forms across all lines, five years of loss runs, a schedule of locations and equipment, payroll and revenue by operation, and any material customer or lease agreements with insurance requirements.
Do you work with buyers outside the Pacific Northwest?
Yes. We are licensed in 49 states, all except New York, and regularly review targets with multi state operations. Our office is in the Portland metro area, and engagements are handled remotely as a matter of course.
Can you support sell side preparation?
Yes. Sell side reviews identify the issues a buyer’s advisor will raise, which gives the seller time to remediate rather than negotiate against a surprise late in the process.
How is the engagement priced?
Diligence reviews are typically fee based and quoted flat against the agreed scope. Placement work is compensated through standard commission unless a fee arrangement is preferred, which we disclose in either case.
Get the transaction services capabilities overview
A short PDF covering our diligence scope, deliverables, representative industries, and the team that would handle your engagement.